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Maira Del Carmen
Maira del Carmen, 27, lives together with her life partner and two underage children who are 10 and 3 in a house of their own. She sells pupusas [thick corn tortillas], tostadas [crispy tortillas with toppings] and tamales, working every day to support her family. Her husband helps her with the home expenses.

Maira del Carmen is a woman devoted to her job and to her family. She wants to provide them with the best, but she is aware of her limitations. Their house is located in a rural area and she has been thinking for a while that she wants to build a retaining wall in order to prevent a landslide from happening because of the rain. She hopes to be able to start the works as soon as possible but does not have enough resources to cover the cost of the construction materials.

She used her first loan from FUSAI to build a cottage and is now requesting a new loan to buy cement, bricks, sand, gravel and iron. Maira del Carmen feels happy with the help she is receiving and promises to pay back the loan according to plan.
View original language description ↓
Maira del Carmen de veintisiete años de edad vive junto a su compañero de vida y sus dos hijos menores de edad, uno de 10 años y otro de 3 años en casa propia. Ella se dedica a la venta de pupusas, tostadas y tamales, trabaja día a día para sostener el hogar, además su esposo le ayuda con los gastos; Maira del Carmen es una mujer entregada a su labor y a su familia, quiere darles lo mejor pero siempre en la medida de sus posibilidades, su vivienda está ubicada en una zona rural y desde hace algún tiempo quiere construir un muro de retención para evitar algún deslave por las lluvias, espera poder empezar el trabajo lo más pronto posible pero no cuenta con los recursos para poder costear los gastos de materiales ya que su primer crédito con FUSAI lo ocupo para construir un chalet por eso hoy solita un nuevo crédito que le permita comprar cemento, ladrillos, arena, grava y hierro. Maira del Carmen está muy feliz con la ayuda y se compromete a cancelar en el plazo establecido.

Additional Information

More information about this loan

This loan will be administered by FUSAI (Salvadoran Foundation for Comprehensive Development), a Salvadoran NGO that owns Kiva partner Apoyo Integral. FUSAI will disburse this loan in order to reach a population that doesn't currently work with Apoyo Integral. This type of loan covers basic services (like housing and water), and supports small business and agricultural activities. Borrowers come from low-income families in rural and peri-urban communities, and are considered to be too poor or lack the proper guarantees to get credit through traditional banks or microfinance institutions. Before receiving their loans, they are vetted by local community organizations and enrolled in classes in financial literacy, and the importance of sanitation, potable water and clean energy. Additionally, FUSAI enables borrowers to guarantee one another and take out loans smaller than El Salvador's average. Important to note is El Salvador is considered one of the most dangerous countries in the world, holding the 2nd place in the ranking of murders per capita. All these FUSAI borrowers live in areas considered by the police as highly violent and dangerous, mainly because of gangs influence. Main risks they face in these areas are thefts, extortions, kidnappings and murders.

About Apoyo Integral

Apoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 716
    View loans »
    El Salvador Loans Fundraising
  • $29,708,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $700 helped Maira Del Carmen to buy cement, bricks, sand, gravel and iron.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 23, 2013
Oct 7, 2013
Currency Exchange Loss:
Nov 6, 2013